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    We found 1 Yes Prosperity Rewards Plus Credit Card
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    Yes Prosperity Rewards Plus Credit Card is Rated as "Great!" by 1 Users

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    Yes Prosperity Rewards Plus Credit Card

    Each one of us look forward to an enriching and rewarding experience each time we use our money, with the Priority Rewards Plus Credit Card from YES Bank offering this to us on every spend. A rewards program which offers great value for each rupee we spend helps this card stand out among the competition. Let’s find out the multiple ways to earn reward points using the card and the numerous options to redeem them. Also listed are the other features and benefits offered by the card in detail.

    Benefits of YES Prosperity Rewards Plus Credit Card

    Some of the key benefits offered by the card are listed below -

    • Welcome gift – Spend Rs.5,000 within first 30 days of card issuance and get 1,250 reward points as a welcome bonus.
    • Annual bonus: Spend Rs.3.6 lakh or more in an anniversary year and earn 12,000 reward points as an annual bonus.
    • Reward points programme – The Prosperity Rewards Plus Credit Card comes with a host of attractive reward options each time it is used. Cardholders stand an opportunity to earn
      • 2 rewards points for every Rs.100 spent on retail purchases
      • 3 rewards points for every Rs.100 spent on dining and online purchases
      • 4 points on international spends of Rs.100 each
      • 5 rewards points for every Rs.100 spent on retail purchases on their birthday

    Further, by conduction at least 4 transactions worth Rs.500 or above (each) within a statement cycle, they can earn 100 reward points. The offer is valid only for first 6 statements. Also earn 500 reward points for each registration on YES PayNow.

    • Reward redemption – Individuals can choose to redeem their accumulated points against a number of options ranging between electronic devices, gift cards, personal care products, air miles (4 reward points = 1 JPMile), etc.

    Features of YES Prosperity Rewards Plus Credit Card

    • Discounted rate of interest – Cardholders who either have a salary or savings account with YES Bank are entitled to a preferential interest rate on their credit card. This rate is currently 2.99% per month, compared to a rate of 3.22% per month for those who do not have such accounts with the bank.
    • Preferential mark-up of foreign currency – Cardholders get a special mark-up on foreign currency, with this rate being 3.4% currently.
    • Instant EMI – This feature helps cardholders make instant purchases without worrying about an immediate dent in their bank account. The amount can be repaid through EMIs, based on the current financial condition of a cardholder. There is no processing fee attached to the facility and no other documentation is required. Cardholders can choose to repay an Instant EMI in terms ranging from 3 months to 2 years.
    • Credit shield – Primary cardholders are provided a credit shield worth Rs.1 lakh that covers outstanding dues on the credit card in case of sudden demise of the cardholder due to an accident.
    • Security – All transactions done with the card have the utmost security, with additional MasterCard SecureCode ensuring that there is no scope for online frauds.
    • Fuel surcharge waiver – Filling fuel using this card is not an additional burden on your finances, for the fuel surcharge which is typically charged on credit card transactions is waived off, subject to certain terms and conditions.

    Fees And Charges Associated With Yes Prosperity Rewards Plus Credit Card

    Type of credit card fee Amount
    First year membership fee NIL
    Renewal fee NIL

    Eligibility criteria for YES Prosperity Rewards Plus Credit Card

    Individuals who wish to apply for this credit card need to satisfy a few basic eligibility criteria, as mentioned below.

    • Age – An applicant should be at least 21 years old in order to be considered for this card. The maximum age limit to apply for this card is 60 years.
    • Employment status – An applicant should have a steady source of income and can either be self-employed or a salaried individual.
    • Income – The net salary of an applicant should be at least Rs.25,000 per month or he/she might have filed income tax returns of Rs.5 lakh or above in order to be eligible for the YES Prosperity Rewards Plus Credit Card.
    • The card can also be availed against a fixed deposit account in YES Bank.

    Documents required for YES Prosperity Rewards Plus Credit Card

    YES Bank follows a Zero Documentation Philosophy wherein one needn’t submit a specific list of documents, provided that he/she holds an account with the bank. Individuals who do not have an account with YES Bank might be asked for documents, at the discretion of the bank. These documents could include an ID proof, address proof, and income proof.

    How to apply for YES Prosperity Rewards Plus Credit Card

    Individuals who wish to apply for a YES Bank Prosperity Rewards Plus Credit Card can do so either online or offline, by utilising the official machinery of YES Bank. One could approach a branch of the bank and meet representatives to complete the formality or could log on to the official website of YES Bank and apply for the card here. An online application requires one to furnish certain basic information, post which the bank will process it and allot a card if an applicant meets their required criteria.

    FAQs On YES Prosperity Rewards Plus Credit Card

    1. How can one redeem their reward points?
    2. Cardholders can redeem their points by logging onto the rewards section on the YES Bank website or by calling them on their customer care number.

    3. How many welcome reward points can one earn?
    4. Cardholders can earn up to 1,250 welcome reward points, subject to them spending a minimum of Rs.5,000 in the first month of getting the card.

    5. Is there a maximum limit on the fuel surcharge waiver amount?
    6. Yes, the fuel surcharge waiver is capped at a maximum of Rs.125 in a particular statement cycle.

    7. What is the interest rate range for this card?
    8. The typical interest rate ranges between 2.99% to 3.22% per month.

    Other Yes Bank Credit Cards

    Yes Prosperity Rewards Plus Credit Card Reviews

    • YES Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      They are providing a very good services from Yes bank like sending messages and mail regarding the transaction notification, bill payments and bill details. I have started using the YES bank credit card for last 3 months. They have provided me a credit limit of Rs. 33000 and there is a yearly charges of Rs. 1000. There is a offers on restaurants, movie tickets. I can able to convert my electronical purchase into EMI and there is no charges for EMI conversion.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 11, 2018
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